Services and Rates

Our comprehensive range of products and services help your family while getting the most from your hard-earned money. No one else offers such flexibility and savings – and it’s available exclusively to TCCU members!

Consumer Loan Products

APR=Annual Percentage Rate. All loans are subject to credit approval. The APR is determined by credit worthiness, collateral, term of loan, and other conditions. Your individual rate and term may vary. Other restrictions may apply.

New and Used Vehicle Loans

Year

Term

Annual Percentage Rate*

2016 - 2018

36 months

3.49%

2016 - 2018

48 months

3.69%

2016 - 2018

60 months

3.79%

2016 - 2018

72 months

4.29%

2016 - 2018

84 months

5.44%

2014 - 2015

36 months

3.59%

2014 - 2015

48 months

3.84%

2014 - 2015

60 months

3.94%

2014 - 2015

72 months

4.44%

2012 - 2013

48 months

4.19%

2012 - 2013

60 months

4.44%

2010 - 2011

48 months

4.69%

2010 - 2011

60 months

4.94%

2009

36 months

4.99%

2009

48 months

5.24%

2009

60 months

5.49%

2008 and Older

24 months

5.89%

2008 and Older

36 months

6.14%

2008 and Older

48 months

6.39%

2008 and Older

60 months

6.64%

Motorcycle and ATV/UTV Loans

Year

Term

Annual Percentage Rate*

2016 - 2018

36 months

3.69%

2016 - 2018

48 months

3.99%

2016 - 2018

60 months

4.34%

2016 - 2018

72 months

4.74%

2014 - 2015

36 months

3.94%

2014 - 2015

48 months

4.14%

2014 - 2015

60 months

4.49%

2014 - 2015

72 months

4.99%

2012 - 2013

48 months

4.59%

2012 - 2013

60 months

4.84%

2010 - 2011

48 months

5.09%

2010 - 2011

60 months

5.34%

2009

36 months

5.59%

2009

48 months

5.84%

2008 and Older

24 months

6.49%

2008 and Older

36 months

6.74%

2008 and Older

48 months

6.99%

Boat, RV, and Travel Trailers

Year

Term

Annual Percentage Rate*

2014 - 2018

60 months

4.49%

2014 - 2018

72 months

4.99%

2014 - 2018

73 - 120 months

5.99%

2011 - 2013

60 months

4.74%

2011 - 2013

72 months

5.24%

2011 - 2013

73 - 120 months

6.24%

2010 and Older

60 months

5.24%

2010 and Older

72 months

5.74%

2010 and Older

84 months

6.74%

*Minimum loan amounts apply to terms exceeding 72 months.

Equipment Loans

Year

Term

Annual Percentage Rate*

New

60 months

4.24%

New

72 months

4.74%

New

73 - 120 months

5.99%

Used

60 months

4.74%

Used

72 months

5.24%

Used

73 - 120 months

6.49%

*Minimum loan amounts apply to terms exceeding 72 months.

Other Loan Options

Loan Type

Term

Annual Percentage Rate*

Signature or Personal Loan

Up to 60 months

7.99%

Share Secured

Up to 60 months

2.50%

TCCU CD Secured

Matched to CD Maturity

2.00% Over TCCU CD APY

Home Mortgages

Visa Card

Enjoy a low 9.99% APR* on all purchases.

*APR=Annual Percentage Rate. All loans are subject to credit approval. The APR is determined by credit worthiness, collateral, term of loan, and other conditions. Your individual rate and term may vary. Other restrictions may apply.

Savings & Checking Products

TCCU Savings accounts and Draft/Checking accounts are versatile, easy to use, and offer a wide range of benefits.

Savings accounts historically earn higher dividends at a credit union than those paid by for profit institutions because we are a not-for-profit financial cooperative.

Regular Savings Account

The following rates are effective as of June 1, 2016

Type of Deposit

Dividend Rate

Annual Percentage Yield

Regular Shares

0.15%

0.15%

Share Draft Checking

0.15%

0.15%

If you are interested in a Christmas Club account or a special account designated for a specific purpose such as a vacation, real estate taxes, or other projects, contact one of our Member Services Representatives for more information.

All accounts are insured by the National Credit Union Administration, a Federal agency, for up to $250,000.

Share Certificate Rates (CD Rates)

Share certificates are a great tool to help your hard earned dollars grow. Talk to a Member Service Representative for more information. Early withdrawal on share certificates may affect dividends earned.

The following rates are effective as of January 1, 2019.

Minimum Balance to Obtain Annual Percentage Yield (APY)

$1,000 – 49,999.99

$50,000.00 and over

Share Certificate Term

Rate %

APY%

Rate %

APY%

12 months

2.62

2.65

2.72

2.75

24 months

1.39

1.40

1.49

1.50

36 Months

3.11

3.15

3.21

3.25

48 months

1.88

1.90

1.98

2.00

60 months

2.18

2.20

2.28

2.30

Additional Services

SHAZAM BOLT$: Our service which automatically sends email alerts 24/7 when suspicious activity occurs. It also comes with the ability to access balance information from your smart phone, tablet, or home computer.

Direct Deposit of your paycheck, pension or Social Security check to your TCCU account(s) is fast, convenient and automatic.

Payroll Deduction is an easy way to make loan payments automatically, or to be credited to your Savings or Checking Accounts(s).

Loan insurance products, such as GAP and Credit Life/Disability help to protect you and your family.

Mobile App: We offer free mobile banking from TCCU, which allows you to access your account anytime, anywhere, instantly. Apps are available through Google Play & Apple iTunes.